DSCR Loans in Stanislaus County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 132 lenders made 634 investment-property loans in Stanislaus County, 1.2% of California's total. Dominick Prevete arranges DSCR loans across Stanislaus County, California, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $370,000.
Stanislaus County investor market at a glance
| Statistic | Stanislaus County | California | County rank |
|---|---|---|---|
| Investor loans | 634 | 54,410 | 19th of 39 |
| Reporting lenders | 132 | 630 | 16th of 39 |
| Loan volume | $196.7M | $37.12B | 23rd of 39 |
| Average loan | $310K | $682K | 28th of 39 |
| Median loan | $300K | $485K | 27th of 39 |
| Purchases | 54.6% | 51.1% | 18th of 39 |
| Cash-out refinances | 27.3% | 25.6% | 12th of 39 |
| 2–4 unit properties | 18.6% | 16.6% | 10th of 39 |
| Top five lenders' share | 34.2% | 23.2% | 15th of 39 |
| Reported business-purpose | 71.5% | 71.2% | 18th of 39 |
Stanislaus County: closed-end loans on 1–4 unit investment properties. Stanislaus County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Stanislaus County's investor loans.
What stands out in Stanislaus County
Stanislaus County's 634 investor loans ranked 19th of California's 39 counties with published data.
Does a DSCR loan pencil in Stanislaus County?
At HUD's fair market rent of $2,410 for a 3-bedroom in Stanislaus County, California, a rental covers its full DSCR payment up to a purchase price of about $370,000, with 20% down at the 7.25% starting rate (November 2026). Stanislaus County's median home value is $450,100; at that price the payment is $2,912 a month, so the property would need $2,925 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,803 / $2,410 / $2,827 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $450,100 |
| Median property taxes and effective rate | $3,216 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,912 |
| Rent needed to cover that payment | $2,925 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $370,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $555,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Stanislaus County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Stanislaus County?
The most active investment-property lenders in Stanislaus County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and THE LOAN STORE, INC., out of 132 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Stanislaus County, and matches each file to the one most likely to fund it.
Stanislaus County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 634 loans and $196.7M from 132 lenders. Kiavi Funding, Inc. led Stanislaus County with 89 loans, 14.0% of the county's total, and the average Stanislaus County loan of $310K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 89 | $30.7M | $344K | 91.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 49 | $13.1M | $268K | 42.9% |
| THE LOAN STORE, INC. | 30 | $11.0M | $365K | 73.3% |
| Rocket Mortgage, LLC | 30 | $9.0M | $299K | 33.3% |
| GUARANTEED RATE, INC. | 19 | $6.2M | $327K | 31.6% |
| SCENIC OAKS FUNDING, LLC | 19 | $5.7M | $299K | 68.4% |
| KIND LENDING, LLC | 17 | $5.6M | $327K | 58.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | $5.4M | $317K | 88.2% |
| OCMBC, INC. | 16 | $4.9M | $304K | 18.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | $4.6M | $326K | 92.9% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $3.5M | $351K | 50.0% |
| NEXERA HOLDING LLC | 10 | $3.5M | $348K | 30.0% |
| GOOGAIN, INC. | 10 | $3.5M | $345K | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | $2.6M | $284K | 44.4% |
| Synergy One Lending, Inc. | 9 | $2.2M | $249K | 33.3% |
| JMAC LENDING, INC. | 8 | $2.1M | $261K | 12.5% |
| JPMorgan Chase Bank, National Association | 8 | $1.9M | $236K | 25.0% |
| CHAMPIONS FUNDING, LLC | 7 | $2.1M | $299K | 71.4% |
| FRANKLIN LOAN CORPORATION | 7 | $1.9M | $272K | 100.0% |
| CAKE MORTGAGE CORP. | 6 | $2.6M | $435K | 83.3% |
| LANTZMAN MANAGEMENT, INC. | 6 | $1.6M | $263K | 0.0% |
| CMG MORTGAGE, INC. | 6 | $1.5M | $255K | 50.0% |
| Citadel Servicing Corporation | 6 | $1.4M | $237K | 50.0% |
| Hometown Equity Mortgage, LLC | 6 | $1.4M | $230K | 16.7% |
| GUILD MORTGAGE COMPANY | 6 | $1.0M | $160K | 33.3% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Stanislaus County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Stanislaus County CSV, all 25 lenders
What Stanislaus County's table can't show you: fit. Short-term financing is exempt from HMDA, so Stanislaus County's fix-and-flip and bridge lenders barely appear among its 132 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Stanislaus County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Stanislaus County, California property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Stanislaus County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 132 lenders and 634 loans: 2025 HMDA loan-level data rolled up to Stanislaus County.
- Stanislaus County investor-lender dataset (CSV) — All 25 lenders in the Stanislaus County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Stanislaus County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Modesto, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Stanislaus County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.